Clover Health Investments Corp (CLOV)
🔔 Watch stock
Stock Watch
Stock Watch will tell you what changes at Clover Health Investments Corp.
Later $1 a month per stock — signing up is free, and you'll be the first to know when it launches.
Appears in These Scanners
This stock currently matches 16 of our scanner strategies — each hit links to the scanner.
Only genuine hits from verified scanners count; pure ranking metrics (P/E, P/S, and similar, which just sort the whole universe) don't count as a hit. Scanners marked in red are red-flag signals (risk/short scanners) — appearing there is not a seal of approval. View all scanners
Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 4.30 $ — 70% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/04/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
This stock currently pays no dividend.
Quality & Screener
AAQS
4/10The AAQS (AlleAktien Quality Score) checks 10 quality criteria on growth, profitability, and balance-sheet strength — per the methodology developed and published by AlleAktien, calculated by us from our own fundamental data. A stock counts as a quality stock from 9 out of 10 points. Where a company has a shorter listing history, we calculate over the fiscal years available (at least five).
- Sales growth 10Y > 5% 31.6%
- Exp. sales growth 3Y > 5% 33.0%
- EBIT growth 10Y > 5% –
- Exp. EBIT growth 3Y > 5% 33.0%
- Net debt < 4x EBIT –
- EBIT positive, 10Y straight 0
- Max. EBIT decline < 50% –
- Return on equity > 15% -28.0%
- ROCE > 15% -25.7%
- Expected return > 10% 28.9%
View all AAQS quality stocks · Read the methodology at AlleAktien
Source: fundamental data
AI Rating
Uses AIClover Health ist im Kern ein Medicare-Advantage-Versicherer (ein einziges berichtspflichtiges Segment: Insurance); die hauseigene KI-/Machine-Learning-Software „Clover Assistant" dient nachweislich dem operativen Kostenmanagement (Steuerung der Medizinkostenquote), ist aber keine belegte eigenständige Umsatzquelle. Die externe SaaS-Vermarktung als „Counterpart Assistant" wird in den Risikofaktoren ausdrücklich als noch nicht erfolgreicher „launch" beschrieben — daher „nutzt", nicht „verkauft".
View the full file — quotes, sources, reviewed filings
„Our proprietary software platform, Clover Assistant (licensed externally as Counterpart Assistant), supports clinical real-time decision making at the point of care by equipping the clinical with data and insights."
Unsere firmeneigene Softwareplattform Clover Assistant (extern lizenziert als Counterpart Assistant) unterstützt die klinische Echtzeit-Entscheidungsfindung am Behandlungsort, indem sie das klinische Personal mit Daten und Erkenntnissen ausstattet.
„...generate provider-focused machine learning, artificial intelligence and rules-based insights, and to drive action by surfacing the most relevant, personalized information about each patient to his or her provider."
... erzeugt auf Behandler ausgerichtete Erkenntnisse aus maschinellem Lernen, künstlicher Intelligenz und Regelwerken und stößt Handlungen an, indem sie die relevantesten, personalisierten Informationen zu jedem Patienten an dessen Behandler ausspielt.
„Our launch of Counterpart Assistant as a Software-as-a-Service (“SaaS”) product for external payors and providers serving the Medicare eligible population may not be successful, and, as a result, our business may be adversely affected."
Unsere Markteinführung von Counterpart Assistant als Software-as-a-Service-Produkt („SaaS") für externe Kostenträger und Leistungserbringer, die die Medicare-berechtigte Bevölkerung versorgen, könnte scheitern, und infolgedessen könnte unser Geschäft beeinträchtigt werden.
Filings Reviewed: 10-K 2026-02-27 · 10-Q 2026-05-08 · 10-Q 2025-11-07 · 10-Q 2025-08-08 · 10-Q 2025-05-09 · 10-K 2025-03-03
Rated on July 10, 2026 · How the Rating Is Built
Growth Score
5 of 10 Solid growthTen checks against the annual reports — each one passed counts a point.
- Revenue grows by more than 15% a year over three years 20.6% passed
- More than 10% revenue growth is expected for the coming year 14.2% passed
- Share count grows by less than 3% a year 2.8% passed
- Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 36.8% failed
- Gross margin at 40% or higher and without meaningful erosion 18.5% failed
- Goodwill from acquisitions does not grow faster than revenue 0.0% passed
- Net debt below twice EBITDA 95 m net cash passed
- Operating cash flow covers the profits of the last three years 194 m failed
- Return on capital at 15% or higher, or up versus two years ago -25.8% failed
- Insiders hold at least 10% or are net buyers 4.4% failed
A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail
Highlighted are things our editorial team noticed: green = stands out as strong, red = deserves a closer look. No single metric is a verdict on its own — always read it in context.
Analysts & Price Target
The price target sits 6.5% above the current price.
- Consensus
- Sell
- Analyst Ratings
- 4
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Estimates by Fiscal Year
| Fiscal Year | EPS Estimate ($) | EPS Range ($) | Revenue Estimate ($M) | Expected Growth | Analysts |
|---|---|---|---|---|---|
| 12/31/2026 | 0.09 | 0.09 – 0.09 | 2,910 | 130.8% | 1 |
| 12/31/2027 | 0.10 | 0.10 – 0.10 | 3,402 | 11.1% | 1 |
Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.
Next Reporting Date
- Expected Earnings per Share
- 0.05 $
Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
Click the chart or tab into it, then use ← and → to step through the periods.
None of the selected stocks reports this metric. Pick another metric or switch between annual and quarterly.
· Total · per year
These companies report in different currencies — switch on “Indexed” or pick a margin for a fair comparison.
The figures could not be loaded right now.
Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | -0.04 | – | 337 | -34.00 | -6.60 | -86 | -86 |
| 2025: Q1 | 0.00 | – | 462 | 33.30 | -0.30 | -16 | -17 |
| 2025: Q2 | -0.02 | -238.90 | 478 | 34.10 | -2.20 | 5 | 5 |
| 2025: Q3 | -0.05 | – | 497 | 50.10 | -4.90 | 12 | 11 |
| 2025: Q4 | -0.10 | – | 488 | 44.70 | -10.10 | -68 | -69 |
| 2026: Q1 | 0.05 | – | 749 | 62.00 | 3.60 | 108 | 107 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Annual Figures
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2018 | 281 | -186 | -202 | -4.81 | -153 | -55 | 211 |
| 2019 | 462 | -183 | -364 | -0.90 | -160 | 0 | 0 |
| 2020 | 673 | -93 | -136 | -0.34 | -119 | -617 | 267 |
| 2021 | 1,472 | -637 | -588 | -1.25 | -282 | 535 | 951 |
| 2022 | 1,097 | -287 | -340 | -0.71 | -204 | 357 | 809 |
| 2023 | 1,261 | -205 | -213 | -0.44 | -116 | 286 | 571 |
| 2024 | 1,371 | -46 | -43 | -0.09 | 35 | 341 | 581 |
| 2025 | 1,924 | -86 | -86 | -0.17 | -67 | 309 | 541 |
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
About the Company
Clover Health Investments, Corp. bietet Medicare-Advantage-Pläne in den USA an.
| CEO Insider Trades (12 Mo.) | selling own stock |
|---|---|
| Employees | 724 |
| Headquarters | Wilmington, DE |
| Address | 1209 Orange Street, 19801 Wilmington, United States |
| Phone | 201 432 2133 |
| Website | cloverhealth.com |
| IPO Date | 2. Jan 2001 |
| ISIN | US18914F1030 |
Management
| Name | Title | Birth Year |
|---|---|---|
| Vivek Garipalli | Co-Founder & Executive Chairman | 1979 |
| Andrew Toy | Co-Founder, CEO & Director | 1979 |
| Jamie L. Reynoso | Chief Executive Officer of Medicare Advantage | 1969 |
| Conrad Wai | CEO of Counterpart Health | 1981 |
| Clay Thornton | Interim Chief Financial Officer | 1990 |
| Joseph Frank Oldakowski | VP of Finance, Controller & Principal Accounting Officer | 1983 |
| Wendy Richey | Chief Compliance Officer | – |
| Karen Soares | Chief Legal Officer, General Counsel, Senior VP & Corporate Secretary | 1978 |
| Rachel Fish | Chief People Officer | – |
| Kumar Dharmarajan | Chief Medical Officer of Clover Assistant | 1980 |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Insider Transactions
| Date | Person | Role | Type | Shares | Price | Value |
|---|---|---|---|---|---|---|
| 20. Jul 2026 | Soares Karen | Chief Legal Officer | Sell | 51,700 | 4.51 | 233,167 |
| 17. Jul 2026 | Reynoso Jamie L. | CEO, Medicare Advantage | Sell | 4,839 | 4.53 | 21,921 |
| 15. Jul 2026 | Toy Andrew | Chief Executive Officer | Sell | 62,711 | 4.67 | 292,860 |
| 15. Jul 2026 | Wai Conrad | CEO, Counterpart Health | Sell | 24,215 | 4.67 | 113,084 |
| 15. Jul 2026 | Reynoso Jamie L. | CEO, Medicare Advantage | Sell | 13,119 | 4.67 | 61,266 |
| 15. Jul 2026 | Soares Karen | Chief Legal Officer | Sell | 10,519 | 4.67 | 49,124 |
| 15. Jul 2026 | Thornton Joseph Clay | Interim CFO | Sell | 4,630 | 4.67 | 21,622 |
| 8. Jul 2026 | Reynoso Jamie L. | CEO, Medicare Advantage | Sell | 2,384 | 4.68 | 11,157 |
Reportable transactions by officers and major shareholders from SEC Form 4 filings. "Other" includes things like stock grants and option exercises without a buy/sell character.
View all insider transactions →Chart
Interactive price chart (TradingView).
Data as of: August 3, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.